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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,090 | $57,330+11.8% | $86,656-26.0% | $75,177-14.7% |
| Participation rate | 67.2% | 63.2%+4.0pp | 71.7%-4.5pp | 67.2%0pp |
| Annual return | 14.70% | 2675.40%-2660.7pp | 593.09%-578.4pp | 160.75%-146.1pp |
| Employer contribution / active EE | $0 | $2,316-100.0% | $3,025-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,208 | $3,320+26.8% | $4,439-5.2% | $4,126+2.0% |
| Admin fee / account holder | $1,536 | $4,115-62.7% | $5,619-72.7% | $5,651-72.8% |